Annuities Pilot

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RECOMMENDED PORTFOLIO

PERCENTAGE ALLOCATIONS/BALANCES

For All Stocks/Bonds in All Retirement Plans

As of July 31, 2013

NOT CURRENT - FOR EXAMPLE PURPOSES ONLY

 

These are the overall stock/bond percentages to use when Rebalancing the investments within your own retirement plan (whether it be invested in annuities, mutual funds, ETFs or any combination thereof).

As market conditions change, we will periodically change our Preferred Portfolio's (highlighted in green) percentage for stock/bond allocations...and perhaps the Preferred Portfolio itself.

However, our Preferred Portfolio (Conservative, Standard or Aggressive), or its percentage allocations, will only change when an important market trend change is suggested by our Broad Market Indicators Table.  Any change in our recommended allocation percentages, or in our choice of the Preferred Portfolio, will be discussed and announced to subscribers in our current advisory's market Commentary.

The currently chosen Preferred Portfolio reflects our projection of the stock market's intermediate to long-term trend going forward. While this represents what we believe to be the optimum risk/reward Portfolio, it may not be yours.

Therefore, you should always be in concert with your own personal risk tolerance...and that may very well differ from ours. Always choose the Portfolio stock/bond mix that best matches your own particular risk profile--or the one that makes you feel most comfortable sleeping at night.

We suggest Rebalancing whenever you do a Roll-Up to one of our more highly ranked investment choices from our current Rankings Tables--or twice yearly whichever comes first.  Since we always suggest at least a 90 day hold on all new investment purchases (Roll-ups) in your retirement plan, that would usually suggest a maximum of four Rebalances yearly--however, timing and frequency of Rebalances will not be that critical to your own retirement plan's long-term investment performance (see our FAQs).


Our current Portfolio of choice below is HIGHLIGHTED IN GREEN.

 

CONSERVATIVE PORTFOLIO:

77% BONDS | 23% STOCKS

 

STANDARD PORTFOLIO:

53% BONDS | 47% STOCKS

 

AGGRESSIVE PORTFOLIO:

27% BONDS | 73% STOCKS

 


NOTE:
Our Conservative Portfolio allocations are appropriate for those investors who are more risk averse and want to avoid susceptibility to portfolio fluctuations as much as possible while still providing a good return.

However, most retirement plan investors would likely fall into the Standard Portfolio (moderate risk allocation) category as that Portfolio reflects the risk/return profile of most individual investors and retirement plan holders. Our Standard Portfolio allocations also match a broad range of "target retirement horizons" designated by investment advisors for "Target Date" or "Lifecycle" funds and portfolios.

Pilot Market Indicators...-->

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